The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Barings Corporate Investors (M BDFUND 06759X107   5,540,356 371,836 SH   SOLE   185,918 0 185,918
Barings Participation Inv (MPV BDFUND 06761A103   653,453 50,616 SH   SOLE   25,308 0 25,308
IShares 0-5 Year Tips ETF (STI BDFUND 46429B747   2,726,944 27,940 SH   SOLE   13,970 0 13,970
IShares Dec 2023 Muni Bond ETF BDFUND 46435G318   1,064,207 41,750 SH   SOLE   20,875 0 20,875
IShares Muni Bond 2024 ETF (IB BDFUND 46435U697   766,360 29,750 SH   SOLE   14,875 0 14,875
Invesco Bulletshares 2023 Corp BDFUND 46138J866   3,754,669 177,358 SH   SOLE   88,679 0 88,679
Invesco Bulletshares 2024 Corp BDFUND 46138J841   4,339,241 210,950 SH   SOLE   105,475 0 105,475
Invesco Bulletshares 2025 Corp BDFUND 46138J825   1,111,780 55,230 SH   SOLE   27,615 0 27,615
SPDR Int Corporate Bond ETF (S BDFUND 78464A375   411,650 12,820 SH   SOLE   6,410 0 6,410
SPDR Inv't Grade Floating Rate BDFUND 78468R200   14,822,165 482,964 SH   SOLE   241,482 0 241,482
SPDR Nuveen Barclays Shrt Term BDFUND 78468R739   1,176,250 25,000 SH   SOLE   12,500 0 12,500
Schwab Aggregate Bond ETF (SCH BDFUND 808524839   2,213,372 47,950 SH   SOLE   23,975 0 23,975
Schwab US Tips ETF (SCHP) BDFUND 808524870   5,232,514 99,800 SH   SOLE   49,900 0 49,900
VanEck Vectors Shrt Mun ETF (S BDFUND 92189F528   707,070 42,000 SH   SOLE   21,000 0 21,000
Vanguard Intermediate Corp Bon BDFUND 92206C870   8,242,039 104,290 SH   SOLE   52,145 0 52,145
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409   19,395,744 256,354 SH   SOLE   128,177 0 128,177
Vanguard Tax-Exempt Bond Index BDFUND 922907746   580,041 11,550 SH   SOLE   5,775 0 5,775
iShares 1-5 yr Inv Grade Corp BDFUND 464288646   6,299,345 125,560 SH   SOLE   62,780 0 62,780
iShares National Muni Bond (MU BDFUND 464288414   5,828,525 54,610 SH   SOLE   27,305 0 27,305
iShares Short Term Nat'l Muni BDFUND 464288158   4,291,650 41,250 SH   SOLE   20,625 0 20,625
iShares TIPS Bond Fund (TIP) BDFUND 464287176   5,569,148 51,748 SH   SOLE   25,874 0 25,874
Healthpeak Prop (PEAK) REIT 42250P103   581,895 28,950 SH   SOLE   14,475 0 14,475
Schwab REIT ETF (SCHH) REIT 808524847   1,035,090 53,000 SH   SOLE   26,500 0 26,500
Vanguard REIT Index ETF (VNQ) REIT 922908553   916,653 10,970 SH   SOLE   5,485 0 5,485
Weyerhauser (WY) REIT 962166104   2,480,075 74,010 SH   SOLE   37,005 0 37,005
3M Company (MMM) COM 88579Y101   672,405 6,718 SH   SOLE   3,359 0 3,359
A F L A C Inc. (AFL) COM 001055102   1,065,846 15,270 SH   SOLE   7,635 0 7,635
AT&T Inc. (T) COM 00206R102   654,333 41,024 SH   SOLE   20,512 0 20,512
Abbott Laboratories (ABT) COM 002824100   2,922,390 26,806 SH   SOLE   13,403 0 13,403
Abbvie Inc (ABBV) COM 00287Y109   1,558,086 11,565 SH   SOLE   5,782 0 5,782
Accenture PLC (ACN) COM G1151C101   604,817 1,960 SH   SOLE   980 0 980
Advanced Micro Devices Inc (AM COM 007903107   1,117,055 9,806 SH   SOLE   4,903 0 4,903
Aerovironment (AVAV) COM 008073108   853,015 8,340 SH   SOLE   4,170 0 4,170
Air Prod & Chemicals (APD) COM 009158106   519,984 1,736 SH   SOLE   868 0 868
Alphabet Class A (GOOGL) COM 02079K305   995,859 8,320 SH   SOLE   4,160 0 4,160
Alphabet Class C (GOOG) COM 02079K107   6,090,452 50,347 SH   SOLE   25,173 0 25,173
Amazon Com Inc (AMZN) COM 023135106   5,394,049 41,378 SH   SOLE   20,689 0 20,689
Amcor PLC ADR (AMCR) COM Q03080100   676,444 67,780 SH   SOLE   33,890 0 33,890
Amgen Incorporated (AMGN) COM 031162100   446,704 2,012 SH   SOLE   1,006 0 1,006
AppFolio (APPF) COM 03783c100   440,678 2,560 SH   SOLE   1,280 0 1,280
Apple Computer (AAPL) COM 037833100   14,672,855 75,645 SH   SOLE   37,822 0 37,822
Auto Data Processing (ADP) COM 053015103   1,109,939 5,050 SH   SOLE   2,525 0 2,525
Autodesk Inc. (ADSK) COM 052769106   1,996,994 9,760 SH   SOLE   4,880 0 4,880
BWX Technologies (BWXT) COM 05605H100   737,171 10,300 SH   SOLE   5,150 0 5,150
Bank of America Corp. (BAC) COM 060505104   676,854 23,592 SH   SOLE   11,796 0 11,796
Bank of Montreal (BMO) COM 063671101   1,267,411 14,034 SH   SOLE   7,017 0 7,017
Bank of New York (BK) COM 064058100   487,494 10,950 SH   SOLE   5,475 0 5,475
Becton Dickinson (BDX) COM 075887109   503,731 1,908 SH   SOLE   954 0 954
Berkshire Hathaway Cl B (BRKB) COM 084670702   3,520,484 10,324 SH   SOLE   5,162 0 5,162
Boeing Company (BA) COM 097023105   596,738 2,826 SH   SOLE   1,413 0 1,413
Bristol-Myers Squibb (BMY) COM 110122108   1,351,647 21,136 SH   SOLE   10,568 0 10,568
CSG Systems Int'l (CSGS) COM 126349109   995,204 18,870 SH   SOLE   9,435 0 9,435
CVS Health Corp. (CVS) COM 126650100   1,875,912 27,136 SH   SOLE   13,568 0 13,568
Carrier Global Corp (CARR) COM 14448C104   1,156,652 23,268 SH   SOLE   11,634 0 11,634
Celanese (CE) COM 150870103   1,387,747 11,984 SH   SOLE   5,992 0 5,992
Check Point Software Tech (CHK COM M22465104   2,095,090 16,678 SH   SOLE   8,339 0 8,339
Chevron Corp (CVX) COM 166764100   2,235,314 14,206 SH   SOLE   7,103 0 7,103
Chewy (CHWY) COM 16679L109   1,115,422 28,260 SH   SOLE   14,130 0 14,130
Cisco Systems Inc. (CSCO) COM 17275R102   4,168,174 80,560 SH   SOLE   40,280 0 40,280
Coca Cola Company (KO) COM 191216100   1,683,631 27,958 SH   SOLE   13,979 0 13,979
Colgate-Palmolive Co. (CL) COM 194162103   1,120,778 14,548 SH   SOLE   7,274 0 7,274
Comcast Corp NEW CL A (CMCSA) COM 20030N101   1,878,974 45,222 SH   SOLE   22,611 0 22,611
Constellation Brands (STZ) COM 21036P108   451,402 1,834 SH   SOLE   917 0 917
Danaher Corp (DHR) COM 235851102   889,440 3,706 SH   SOLE   1,853 0 1,853
Deere Co (DE) COM 244199105   558,352 1,378 SH   SOLE   689 0 689
Disney Walt Hldg. Co. (DIS) COM 254687106   2,206,109 24,710 SH   SOLE   12,355 0 12,355
ETFMG Prime Cyber Security ETF COM 26924G201   1,337,841 26,450 SH   SOLE   13,225 0 13,225
Eaton Corporation (ETN) COM G29183103   530,100 2,636 SH   SOLE   1,318 0 1,318
Exact Sciences (EXAS) COM 30063P105   1,444,182 15,380 SH   SOLE   7,690 0 7,690
Exxon Mobil (XOM) COM 30231G102   4,726,507 44,070 SH   SOLE   22,035 0 22,035
Fair Isaac (FICO) COM 303250104   451,539 558 SH   SOLE   279 0 279
Fastenal Company (FAST) COM 311900104   916,233 15,532 SH   SOLE   7,766 0 7,766
General Electric Company (GE) COM 369604103   598,463 5,448 SH   SOLE   2,724 0 2,724
General Mills, Inc. (GIS) COM 370334104   666,063 8,684 SH   SOLE   4,342 0 4,342
General Motors New (GM) COM 37045V100   551,177 14,294 SH   SOLE   7,147 0 7,147
Gilead Sciences Inc. (GILD) COM 375558103   440,070 5,710 SH   SOLE   2,855 0 2,855
Globalstar Inc. (GSAT) COM 378973408   457,920 424,000 SH   SOLE   212,000 0 212,000
Graco Inc (GGG) COM 384109104   535,370 6,200 SH   SOLE   3,100 0 3,100
Hamilton Beach Brands Cl A (HB COM 40701T104   653,460 67,646 SH   SOLE   33,823 0 33,823
Hamilton Beach Brands Cl B Res COM 40701T203   810,505 69,452 SH   SOLE   34,726 0 34,726
Hologic Inc (HOLX) COM 436440101   1,748,628 21,596 SH   SOLE   10,798 0 10,798
Home Depot Inc. (HD) COM 437076102   2,332,285 7,508 SH   SOLE   3,754 0 3,754
Honeywell International (HON) COM 438516106   1,992,830 9,604 SH   SOLE   4,802 0 4,802
Hormel Foods (HRL) COM 440452100   1,090,009 27,101 SH   SOLE   13,551 0 13,551
Hyster-Yale Materials Handling COM 449172105   3,271,889 58,594 SH   SOLE   29,297 0 29,297
Illinois Tool Works Inc (ITW) COM 452308109   1,273,314 5,090 SH   SOLE   2,545 0 2,545
Intel Corp. (INTC) COM 458140100   2,375,961 71,051 SH   SOLE   35,526 0 35,526
Inter Parfums (IPAR) COM 458334109   430,031 3,180 SH   SOLE   1,590 0 1,590
Invesco Water Resource Port (P COM 46137V142   1,522,530 27,000 SH   SOLE   13,500 0 13,500
J P Morgan Chase & Co (JPM) COM 46625H100   3,471,653 23,870 SH   SOLE   11,935 0 11,935
J.M. Smuckers Co (SJM) COM 832696405   1,945,995 13,178 SH   SOLE   6,589 0 6,589
Johnson & Johnson (JNJ) COM 478160104   4,633,234 27,992 SH   SOLE   13,996 0 13,996
Kohlberg Kravis & Co (KKR) COM 48251W104   2,547,888 45,498 SH   SOLE   22,749 0 22,749
Korn Ferry International (KFY) COM 500643200   448,337 9,050 SH   SOLE   4,525 0 4,525
Landstar System (LSTR) COM 515098101   771,315 4,006 SH   SOLE   2,003 0 2,003
LeMaitre Vascular (LMAT) COM 525558201   645,888 9,600 SH   SOLE   4,800 0 4,800
Lilly Eli & Company (LLY) COM 532457108   3,526,730 7,520 SH   SOLE   3,760 0 3,760
Linde PLC (LIN) COM G54950103   432,145 1,134 SH   SOLE   567 0 567
Lowes Companies Inc. (LOW) COM 548661107   693,802 3,074 SH   SOLE   1,537 0 1,537
McDonalds Corp (MCD) COM 580135101   1,536,811 5,150 SH   SOLE   2,575 0 2,575
Merck & Co Inc. (MRK) COM 589331107   2,958,138 25,636 SH   SOLE   12,818 0 12,818
Microsoft Corp. (MSFT) COM 594918104   8,303,716 24,384 SH   SOLE   12,192 0 12,192
Mondelez (MDLZ) COM 609207105   446,393 6,120 SH   SOLE   3,060 0 3,060
Morgan Stanley (MS) COM 617446448   472,433 5,532 SH   SOLE   2,766 0 2,766
NVIDIA Corporation (NVDA) COM 67066G104   405,916 960 SH   SOLE   480 0 480
Nacco Inds Inc CL A (NC) COM 629579103   893,396 25,776 SH   SOLE   12,888 0 12,888
NextEra Energy (NEE) COM 65339F101   1,713,278 23,090 SH   SOLE   11,545 0 11,545
Norfolk Southern Cop (NSC) COM 655844108   527,897 2,328 SH   SOLE   1,164 0 1,164
Novartis AG Spon ADR F (NVS) COM 66987V109   413,126 4,094 SH   SOLE   2,047 0 2,047
Oracle Corp. (ORCL) COM 68389X105   1,476,716 12,400 SH   SOLE   6,200 0 6,200
Otis Worldwide (OTIS) COM 68902V107   602,420 6,768 SH   SOLE   3,384 0 3,384
PepsiCo Inc. (PEP) COM 713448108   4,485,986 24,220 SH   SOLE   12,110 0 12,110
Pfizer Inc (PFE) COM 717081103   2,199,795 59,973 SH   SOLE   29,986 0 29,986
Phillips 66 (PSX) COM 718546104   1,585,406 16,622 SH   SOLE   8,311 0 8,311
Procter & Gamble (PG) COM 742718109   3,345,564 22,048 SH   SOLE   11,024 0 11,024
ROBO Gbl Robotics & Auto'n ETF COM 301505707   1,221,562 20,860 SH   SOLE   10,430 0 10,430
Raytheon Technologies (RTX) COM 75513E101   2,496,021 25,480 SH   SOLE   12,740 0 12,740
Regions Financial Corp (RF) COM 7591EP100   451,737 25,350 SH   SOLE   12,675 0 12,675
SYNNEX Corp (SNX) COM 87162W100   545,200 5,800 SH   SOLE   2,900 0 2,900
Salesforce.com (CRM) COM 79466L302   806,168 3,816 SH   SOLE   1,908 0 1,908
Smith & Nephew (SNN) COM 83175M205   865,912 26,850 SH   SOLE   13,425 0 13,425
Sonoco Products (SON) COM 835495102   1,614,197 27,350 SH   SOLE   13,675 0 13,675
Southwest Airlines (LUV) COM 844741108   744,115 20,550 SH   SOLE   10,275 0 10,275
Sprouts Farmers Markets (SFM) COM 85208M102   618,533 16,840 SH   SOLE   8,420 0 8,420
Standard Motor Products (SMP) COM 853666105   549,743 14,652 SH   SOLE   7,326 0 7,326
Starbucks Corp. (SBUX) COM 855244109   1,216,457 12,280 SH   SOLE   6,140 0 6,140
State Street Corp (STT) COM 857477103   669,597 9,150 SH   SOLE   4,575 0 4,575
Stryker Corp. (SYK) COM 863667101   728,555 2,388 SH   SOLE   1,194 0 1,194
Sysco Corp. (SYY) COM 871829107   2,246,924 30,282 SH   SOLE   15,141 0 15,141
T Rowe Price Group (TROW) COM 74144T108   584,744 5,220 SH   SOLE   2,610 0 2,610
TJX Cos Inc (TJX) COM 872540109   3,941,209 46,482 SH   SOLE   23,241 0 23,241
Taiwan Semiconductor ADRF Spon COM 874039100   1,276,638 12,650 SH   SOLE   6,325 0 6,325
Target Corporation (TGT) COM 87612E106   1,496,293 11,344 SH   SOLE   5,672 0 5,672
Tesla Inc (TSLA) COM 88160R101   409,882 1,566 SH   SOLE   783 0 783
Texas Instruments Inc (TXN) COM 882508104   908,741 5,048 SH   SOLE   2,524 0 2,524
The Blackstone Group (BX) COM 09260D107   509,476 5,480 SH   SOLE   2,740 0 2,740
The Trade Desk Inc (TTD) COM 88339J105   1,135,134 14,700 SH   SOLE   7,350 0 7,350
Trex Inc (TREX) COM 89531P105   1,892,717 28,870 SH   SOLE   14,435 0 14,435
US Bancorp (USB) COM 902973304   1,579,973 47,820 SH   SOLE   23,910 0 23,910
Ulta Beauty (ULTA) COM 903845303   1,661,200 3,530 SH   SOLE   1,765 0 1,765
Unilever PLC ADR New F (UL) COM 904767704   892,883 17,128 SH   SOLE   8,564 0 8,564
Union Pacific Corp. (UNP) COM 907818108   582,758 2,848 SH   SOLE   1,424 0 1,424
United Parcel Service Cl B (UP COM 911312106   695,150 3,878 SH   SOLE   1,939 0 1,939
Unitedhealth Group Inc. (UNH) COM 91324P102   599,839 1,248 SH   SOLE   624 0 624
Vericel (VCEL) COM 92346J108   440,320 11,720 SH   SOLE   5,860 0 5,860
Verisk Analytics (VRSK) COM 92345Y106   2,278,382 10,080 SH   SOLE   5,040 0 5,040
Verizon Communications (VZ) COM 92343V104   1,637,327 44,026 SH   SOLE   22,013 0 22,013
Visa Inc (V) COM 92826C839   2,630,328 11,076 SH   SOLE   5,538 0 5,538
WD 40 Co (WDFC) COM 929236107   1,204,719 6,386 SH   SOLE   3,193 0 3,193
WalMart Inc. (WMT) COM 931142103   788,729 5,018 SH   SOLE   2,509 0 2,509
Zimmer Biomet Holdings Inc. (Z COM 98956P102   593,466 4,076 SH   SOLE   2,038 0 2,038
Zoetis Inc (ZTS) COM 98978V103   1,987,303 11,540 SH   SOLE   5,770 0 5,770
IShares S&P 100 Index (OEF) ETF 464287101   1,006,312 4,860 SH   SOLE   2,430 0 2,430
Invesco S&P 500 Equal Weighted ETF 46137V357   5,524,291 36,917 SH   SOLE   18,459 0 18,459
Invesco SP500 Hi Div Low Vol ( ETF 46138E362   574,765 13,900 SH   SOLE   6,950 0 6,950
SPDR S&P Dividend ETF (SDY) ETF 78464A763   900,963 7,350 SH   SOLE   3,675 0 3,675
SPDR S&P Midcap 400 (MDY) ETF 78467Y107   14,952,598 31,222 SH   SOLE   15,611 0 15,611
SPDR Trust S&P 500 (SPY) ETF 78462F103   1,372,839 3,097 SH   SOLE   1,549 0 1,549
Schwab Large Cap Growth ETF (S ETF 808524300   11,327,244 151,131 SH   SOLE   75,565 0 75,565
Schwab Large Cap US ETF (SCHX) ETF 808524201   4,409,030 84,190 SH   SOLE   42,095 0 42,095
Schwab US Broad Market ETF (SC ETF 808524102   7,105,131 137,430 SH   SOLE   68,715 0 68,715
Schwab US Dividend Equity (SCH ETF 808524797   7,287,562 100,352 SH   SOLE   50,176 0 50,176
Schwab US Mid Cap ETF (SCHM) ETF 808524508   12,929,353 182,027 SH   SOLE   91,013 0 91,013
Schwab US Small Cap ETF (SCHA) ETF 808524607   7,821,870 178,582 SH   SOLE   89,291 0 89,291
Vanguard Extended Market Index ETF 922908652   1,900,559 12,770 SH   SOLE   6,385 0 6,385
Vanguard High Dividend Yield E ETF 921946406   450,797 4,250 SH   SOLE   2,125 0 2,125
Vanguard Mid Cap ETF (VO) ETF 922908629   957,696 4,350 SH   SOLE   2,175 0 2,175
Vanguard S&P 500 ETF (VOO) ETF 922908363   11,419,984 28,040 SH   SOLE   14,020 0 14,020
Vanguard Small Cap Growth (VBK ETF 922908595   3,106,085 13,520 SH   SOLE   6,760 0 6,760
iShares S&P US Preferred Stock ETF 464288687   4,132,248 133,600 SH   SOLE   66,800 0 66,800
IShares S&P Global 100 ETF (IO ETF 464287572   1,550,103 20,380 SH   SOLE   10,190 0 10,190
Ishares Int'l Select Dividend ETF 464288448   576,890 21,910 SH   SOLE   10,955 0 10,955
Ishares MSCI Ireland ETF (EIRL ETF 46429B507   731,164 12,690 SH   SOLE   6,345 0 6,345
SPDR International Dividend ET ETF 78463X772   415,362 12,078 SH   SOLE   6,039 0 6,039
Schwab Emerging Markets ETF (S ETF 808524706   2,256,108 91,600 SH   SOLE   45,800 0 45,800
Schwab International Equity ET ETF 808524805   13,521,283 379,279 SH   SOLE   189,639 0 189,639
Vanguard Total World Stock Mar ETF 922042742   429,621 4,430 SH   SOLE   2,215 0 2,215
iShares MSCI Canada Index Fund ETF 464286509   517,152 14,780 SH   SOLE   7,390 0 7,390
iShares TR MSCI EAFE Fd (EFA) ETF 464287465   2,697,781 37,211 SH   SOLE   18,605 0 18,605